When one or more parties refuse to pay their fair portion of the costs associated with an auto accident, the situation can quickly escalate to a complex web of phone calls and legal documents.
Your automobile insurance policy has a legal obligation to compensate you enough for the damages you suffered in an accident. You need to notify both your insurance company and the other driver’s insurance company about the accident.
Thankfully, the claims process following a car accident in Louisville, Kentucky, is simple. You might get closer to getting your money when you file a claim. Learn more!
If you have been involved in a car accident in Louisville, Kentucky, you may need to file an insurance claim. Here is the process for filing a claim:
Report the accident to your insurance company: Contact your insurance company as soon as possible to report the accident. They will provide you with instructions on what to do next.
Gather information: Make sure to collect all the relevant information about the accident, including the names and contact information of all parties involved, the insurance information of the other driver(s), and any witnesses to the accident. Take pictures of the damage to all vehicles and the accident scene.
File a police report: If the accident resulted in injuries, death, or property damage exceeding $500, you must file a police report. Call 911 to report the accident and wait for the police to arrive. If the police do not respond, you can file a report at a local police station or online.
Work with the insurance adjuster: Your insurance company will assign an adjuster to your claim who will investigate the accident and determine the amount of compensation you are entitled to. Be sure to provide the adjuster with all the information they need and cooperate with them throughout the process.
Get an estimate for repairs: You will need to get an estimate for the cost of repairing your vehicle. Your insurance company may recommend a repair shop or you can choose one yourself. Make sure to keep all receipts and invoices related to the repair.
Settle the claim: Once the insurance company has investigated the claim and determined the amount of compensation you are entitled to, they will offer you a settlement. If you agree to the settlement, you will need to sign a release form that releases the insurance company from any further liability related to the accident.
